Should I Claim Hail Damage

On My Car?

Car hail damage insurance claims are considered an act of nature and won’t count against you in any way. 

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Hail & Insurance Premiums

Hail as a whole might raise an entire areas insurance premiums but has little to do with you personally filing a claim.

Hail Damage Vehicle Value

Even minor hail is very expensive to fix & will dramatically affect the value of your vehicle, so it's highly advisable to file a claim.

Average Hail Insurance Payout

The average insurance payout for car hail damage is $3,500 because just the preparatory work just begin repairs is expensive.

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So... Should You Claim Hail Damage On Your Car?


If you are having thoughts if you should start a hail claim then I would say YES, you should file a claim. After all; that's why we have insurance. Hail is considered an act of god and has little to no impact on your personal insurance record but can affect the rates of an entire county regardless if you file a claim or not so why not? At the very least you should visit a professional shop so that you can see your hail damage under the proper lighting.

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Average Cost For Minor to Severe Hail Damage

A proper hail estimate can take upwards of 2 hours and is only properly done by a trained professional at the body shop with proper lighting.

With Body Shop Involved In Estimate Process

Barely Visible Hail Damage On a Small Car or Truck

$3,500

An average small car with barely visible hail damage can cost between $3,500 – $4,500.  It’s important to note that this includes the process of preparing your vehicle to get repaired such as dropping headliner, removing trim and panels to get to the backside of the dents for a proper repair.

Clearly Visible Hail From 2 Feet Away

$4,500

If you can clearly see many dents from 2-3 feet away from your vehicle then chances are there’s many more dents you cannot see without it being clean and under special lights.  These repairs can range from $3,500 – $5,500 and will take an expert to show the insurance agent all the damage caused by the storm.

Visible Hail From 5 Feet Away

$5,500

If you can easily see the hail damage from 5 feet away it’s considered severe hail damage and can range from $5,500 – $7,500.  There’s many more factors that go into these estimates such as paint and body work that might be needed because dents are too large to repair with just PDR alone.

Clearly Visible From 5+ Feet Away

$7,500

This type of hail is considered extreme hail damage and will more than likely require the replacement of panels and or body work + paint and requires an expert to properly assess.  These repairs can vary vastly anywhere from $7,500 all the way up to $15,000.  It’s important to note that 99% of adjusters are not expert repair technicians so they need a shop like ours to go over the entire vehicle with a fine tooth comb with them.

Without Body Shop Involved In Estimate Process

Barely Visible Hail Damage On a Small Truck or Car

$1500

The average estimate for barely visible hail that your insurance would pay can range from $800 – $1500 and is based on their limited capability of properly seeing the hail with poor lighting conditions and limited expertise.  Properly seeing hail can only be achieved with a clean car and proper lighting conditions.

Clearly Visible Hail From 2 Feet Away

$2,500

If it’s easy for you to see the damage from 2 or feet away this will be easier for your insurance to see via photos or in person and can vary between $1,500 – $2,500.  Without specialized lighting your insurance will miss much of the damage but its technically up to a shop to do a proper assessment after the vehicle is clean.

Visible Hail From 5 Feet Away

$3,500

An estimate by your insurance company for this type of hail damage will range from $2,500 – $4,500.  Tho this type of hail damage is very easy to see, it’s important to note that your insurance company are not experts at hail repair and require the expertise from a body show to show them all the damage.

Clearly Visible From 5+ Feet Away

$4,500

This extreme hail damage is much easier to estimate even with less experience but will require an expert to have the know how on factory procedurals to make sure that they are paying for a proper factory quality repair.  With that said these estimates from your insurance will range from $4,500 – $9,500.

Unfortunately insurance companies are trying to get through tens of thousands of claims,  so the prices are going to be much lower if a body shop is not involved in the estimate process.  It’s not that the insurance company is trying to cheat you, or that body shops are trying to cheat them;  it’s just there is a vast amount of knowledge and time that is required to properly estimate hail damage & the insurance company just doesn’t have the time, equipment, or expertise, so they will rely on us and they will walk the vehicle with us once it comes in for repairs. 

Insurance & Manufacturer Approved Hail Repair


We work directly with all insurance companies but to your advantage we are not partnered with any of them. This means we work directly for you and your vehicle therefore you can rest assured that you will get the best possible repair for your particular type of damage. We do not cut corners or take the easy way. We do what it takes to make it as if the hail never happened. You will get your vehicle back in better condition than before the hail storm.

State Farm

Geico Insurance

USAA

Progressive

Daryland

Allstate

American Family

Travelers

Fred Loya

Should I wait until hail season is over to file an insurance claim on my car?

At first glance this might sound like a good idea but because of the aforementioned reasons its a terrible idea.  Not to mention when you have companies like Eco Auto Body, willing to provide concierge services it’s a no brainer to fix the damage as it comes.  Your insurance policy will cover hail damage under comprehensive coverage, and will give you 3 of these types of claims without affecting your personal insurance record.

We have ways to Reduce your out of pocket expense so if you are worried about your rental or deductible just give us a call to ask how we can help you.  We have programs to provide assistance should you need it if you are worried about the expense. 
  • Deductible Reduction Program Call and ask how we can reduce or completely waive your deductible.
  • Free Rental If you are worried about getting around while your vehicle’s hail damage is being repaired, we can provide you with a free rental.
  • Pick Up & Delivery We provide free pick up and drop off of your vehicle so you never need to leave the comfort of your home.
  • Complimentary Detail If you choose us for your repair we will get your vehicle back to you in better condition than before the hail storm as well as cleaning your entire vehicle from inside out making the inconvenience of the repair process all that much more worth it.
  • No Cost Door Ding RepairAs we are repairing the hail damage it’s nothing to us to repair minor scratches and door dings unrelated to the storm as a way to show our gratitude for your choosing us for your hail repair.

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Car Hail Damage Claim Experts

To Find Out How Much Hail You Actually Have On Your Car!

Questions & Answers

We do not own any expensive facilities or expensive employees.  Instead we pride ourselves in having the largest partner community in the business.  We use only eco friendly parts providers and we don't up sell our customers.  We use the "if it isn't broken, then don't fix it" policy.  Meaning we save countless of labor hours and materials instead of making an extra dollar.  We do all the prep work, body work and paintless dent repair and hire out for the rest.
Many of these companies have high overheads and processing customers is one of their most costly expenses.  Much of your repair is administrative work and managing.  If we can eliminate the costly bureaucratic processes then the result will be more time effective but more importantly, eco friendly.

NO – Hail is covered under your comprehensive insurance and considered an act of nature so it will not raise your premiums.

NO – Paintless dent repair is the preferred method of by all professionals repair because it will not harm your factory paint or finish.
NOT LONG – Compared to conventional repairs, paintless dent repair takes about 1/3 of the time it takes a body shop to finish the same repairs.
It is far better for us to meet with the adjuster for many factors.  If we have the car in our care - we will use special lights to make sure the adjuster does not miss anything.  We need to get it done first off instead of having to do what's called a supplement, and this can take up to a week.  So the day before the adjuster is set to see the car, we get you in a car rental and have the vehicle at our shop.

Our Mission

To help people easily make the decision on whether or not they should claim hail damage on their car by providing an honest evaluation and to provide cutting edge hail repair should they decide to fix it.


Any Questions?

Give us a call, or text if you have any questions about hail damage on my/your car or any auto body questions.


Book Your Estimate

We now provide free car hail damage evaluations via video chat. Quickly and easily find out how much hail damage you actually have by video chatting with us.

Step 1

Hail Inspection

Call us to schedule your free consultation and bring the vehicle in for a free evaluation.  Once we determine the amount of hail you have and it merits a claim we can help you every step of the way.  Simply file a claim and we’ll handle the rest.

Step 2

Filing A Hail Claim With Your Insurance.

When filing a claim with your insurance they will ask you when the hail happened and your location.  Once you have the claim number we can get you into a rental and schedule your repairs.

Step 3

We Handle Supplements & Repairs

Our highly trained technicians use paintless dent repair (PDR) to meticulously massage the metal back into its original form. Unlike traditional methods that involve sanding, body fillers, and repainting, PDR preserves your factory paint and structural integrity.